One Card Program Certificate of Insurance - Algonquin College
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Treasury & Payment Solutions One Card Program Certificate of Insurance
IMPORTANT NOTICE – PLEASE READ CAREFULLY This Certificate of Insurance is designed to cover losses arising from sudden and unforeseeable circumstances only. It is important that You read and understand this Certificate of Insurance as Your coverage is subject to limitations and exclusions. This Certificate of Insurance does not include emergency travel medical coverage. The enclosed Certificate of Insurance and Summary of Assistance Services provide a summary description of the principal provisions of the insurance coverages and assistance services available to eligible BMO Corporate Account Primary Cardholders. You must call the Operations Centre for help in making the necessary arrangements to return to Your original point of departure, should You need to return due to the death of an Immediate Family Member while you are on a Trip. Failure to do so may result in Your claim being delayed or denied. Please note that Your prior medical history may be reviewed by Us, when a claim is reported. You may contact Allianz at the following address: Allianz Global Risks US Insurance Company 130 Adelaide Street West, Suite 1600 Toronto, ON M5H 3P5 1-866-658-4247. For all benefits excluding Accidental Death and Dismemberment: This Certificate of Insurance contains a provision removing or restricting the right of the Insured Person to designate persons to whom or for whose benefit insurance money is to be payable. PLEASE READ YOUR CERTIFICATE CAREFULLY BEFORE YOU TRAVEL. The Common Carrier Accidental Death and Dismemberment benefits described herein are underwritten by Allianz Global Risks US Insurance Company (Canadian Branch) (“Allianz”) under Group Policy No. FC3100000-C for BMO Corporate Card One Card account or Group Policy No. FC310000-D for Diners Club Corporate One Card account. The Insured Person and any claimant under this insurance may request a copy of the Group Policy subject to certain access restrictions. Group Policy No. FC310000-C and FC 310000-D is referred to herein as (the “Policy”) issued to Bank of Montreal (the “Policyholder”, “BMO”). All other benefits described herein, are offered by Allianz to You under an individual policy which number corresponds to the last 4 digits of Your BMO Corporate Account card number (the “individual Policies”). The insurance described in this Certificate of Insurance is for eligible Corporate Account Primary Cardholders of BMO whose Accounts are in Good Standing and where specified, certain other persons (referred to herein as “You” or “Your”). This insurance is administered by Allianz Global Assistance through the Operations Centre. This Certificate of Insurance is effective on the date BMO receives and approves the request for the Corporate Account. Only BMO may determine who is a Primary Cardholder, whether an Account is in Good Standing and whether the insurance provided for herein has come into or is in force. No person is eligible for coverage under more than one certificate of insurance providing insurance coverage similar to that provided hereunder. In the event that any person is recorded by Us as an “Insured Person” under more than one such certificate, such person shall be deemed to be insured only under the certificate, which affords that person the greatest amount of insurance coverage. This Certificate of Insurance supersedes any certificate previously issued to You.
Table of Contents
1 Definitions ........................................................................................1
2 Insurance Effective and Termination Date............................... 4
3 Eligibility........................................................................................... 4
4 Coverage Period and Description of Benefits...........................5
4.1 Car Rental Benefits................................................................5
4.1.1 Collision Damage Waiver (CDW) Benefits...........................6
4.1.2 Car Rental Accidental Death and
Dismemberment Benefits ...................................................6
4.1.3 Car Rental Personal Effects Benefits...................................8
4.1.4 Car Rental Benefits Limitations and Exclusions..................8
4.1.4.1 General Car Rental Benefits Limitations and
Exclusions...............................................................................8
4.1.4.2 Collision Damage Waiver (CDW)
Benefits Limitations and Exclusions..................................10
4.1.4.3 Car Rental Personal Effects Benefits
Limitations and Exclusions.................................................. 11
4.2 Trip, Medical and Legal Assistance Services ................... 11
4.2.1 Trip Assistance Services ..................................................... 11
4.2.2 Medical Assistance Services............................................... 12
4.2.3 Legal Assistance Services................................................... 13
4.3 Unexpected Return Home Benefits................................... 13
4.3.1 Coverage Period and Benefits............................................ 13
4.3.2 Unexpected Return Home Limitations and Exclusions....14
4.4 Flight Delay Benefits........................................................... 15
4.4.1 Coverage Period and Benefits............................................ 15
4.4.2 Flight Delay Benefits Limitations and Exclusions............. 15
4.5 Lost or Stolen Baggage Benefits.......................................16
4.5.1 Coverage Period and Benefits............................................16
4.5.2 Lost or Stolen Baggage Benefits
Limitations and Exclusions..................................................16
4.6 Baggage Delay Benefits..................................................... 17
4.6.1 Coverage Period and Benefits............................................ 17
4.6.2 Baggage Delay Benefits Limitations and Exclusions.........18
4.7 Common Carrier Accidental Death
and Dismemberment Benefits..........................................19
4.7.1 Coverage Period and Benefits............................................19
4.7.2 Common Carrier Accidental Death and
Dismemberment Limitations and Exclusions...................21
5 Conditions ..................................................................................... 22
6 General Provisions ...................................................................... 23
7 Notice Of Claim And Filing a Claim .......................................... 24
7.1 Notice Of Claim ..................................................................24
7.2 Filing A Claim.......................................................................25
8 Protecting Your Personal Information..................................... 28
Contact Information.......................................................................... 30
In this Certificate of Insurance, certain terms have defined
meanings. Defined terms are capitalized throughout this
document. Those Defined terms are as follows.1. Definitions
Accidental Bodily Injury means bodily Injury caused directly
and independently of all other causes by external and purely
accidental means. The accident must occur during the Coverage
Period and the loss to which the insurance applies must result
within 365 days, or for Total Disability, within 180 days, of
the date of the bodily injury and must not result from any of
the exclusions.
Account means the Primary Cardholder’s BMO Corporate
Account, which is in Good Standing.
Actual Cash Value means the cost to replace the lost or
damaged personal property at the time of loss, less depreciation.
Benefit Amount means the maximum amount of benefit
payable for the benefits described in this Certificate of Insurance
as specifically defined in the applicable benefit sections.
Carry-On Baggage means suitcases or other containers
specifically designed for carrying personal property, which are
carried on board a Common Carrier by You.
Certificate of Insurance means a summary of the benefits
provided under the Policy issued to BMO covering accident and
sickness, and the Individual Policy for all other benefits.
Checked Baggage means suitcases or other containers
specifically designed for carrying personal property, for which a
claim check has been issued to You by a Common Carrier.
Common Carrier means any land, air or water conveyance
for regular passenger service, which is fully licensed to carry
passengers for compensation or hire and which undertakes to
carry all persons indifferently as to who may apply for passage,
so long as there is room and there is no legal excuse for refusal.
Corporate Account means a BMO Corporate One Card account
or a Diners Club Corporate Card One Card account and for which
BMO includes this insurance as a feature of the card or account.
Coverage Period means the time insurance is in effect, as
indicated in the various sections of this Certificate of Insurance.
Dependent Child means a person who is: an unmarried natural
or adopted child or stepchild of a Primary Cardholder; under
twenty-one (21) years of age (under twenty-six (26) years of
age if a full-time student attending a recognized college or
university); and is dependent on the Primary Cardholder for
maintenance and support.
Exotic Vehicle means automobiles manufactured by Aston
Martin, Bentley, Bricklin, Daimler, De Lorean, Auburn, Excalibur,
Ferrari, Jensen, BMW, Lamborghini, Lotus, Jaguar, Maserati,
Porsche, Rolls Royce or any similar automobile.
Good Standing means being in full compliance with all of
the provisions of the BMO Corporate Account Agreement, as
amended from time to time.
1Immediate Family Member means the Insured Person’s Spouse, child (including adopted children and stepchildren), parent, legal guardian, parent-in-law, brother or sister (including stepbrothers and stepsisters), grandparent, grandchild, daughter- in-law, son-in-law, brother-in-law or sister-in-law. Insured Person means those persons covered for the benefits described in this Certificate of Insurance as specifically defined in each of the benefit sections. Loss with reference to Loss of Life means death, including clinical death determined by the local governing medical authorities. Loss means, with reference to a hand or foot, complete and permanent severance through or above the wrist or ankle joint; with reference to arm or leg means complete and permanent severance through or above the elbow or knee joint; with reference to thumb and index finger means complete and permanent severance of the thumb and index finger of the same hand. With reference to hearing, Loss means the permanent and irrecoverable total loss of hearing in both ears, as determined by a Physician; with reference to sight means the permanent and irrecoverable loss of the entire sight, meaning that the remaining vision must be no better than 20/200 using a corrective aid or device as determined by a Physician; with reference to speech means the permanent and irrecoverable total loss of the capability of speech without the aid of mechanical devices, as determined by a Physician. Loss means, with reference to quadriplegia complete and irreversible loss of all motion of all practical use of both arms and both legs; with reference to paraplegia complete and irreversible loss of all motion of all practical use of both legs; with reference to hemiplegia complete and irreversible loss of all motion of all practical use of an arm and a leg on the same side, provided the loss is continuous for 365 days. Loss with reference to Loss of Use means the permanent and total inability of the specified body part to function. Mysterious Disappearance means when the article of personal property in question cannot be located, and the circumstances of its disappearance cannot be explained and do not lend themselves to a reasonable inference that a theft occurred. Occupying means in, upon, entering into or alighting from. Operations Centre means the Operations Center maintained by Allianz Global Assistance. From Canada and the U.S. call 1-877-704-0341. From elsewhere call collect 1-519-741-0782. Personal Effects means property normally worn or designed to be carried on or by an Insured Person solely for private purposes and not used for business. 2 Treasury & Payment Solutions
Physician means a person, other than an Insured Person or
member of the Insured Person’s family (by blood or marriage),
who is a medical practitioner and whose legal and professional
standing within his or her jurisdiction is equivalent to that of a
doctor of medicine (M.D.) licensed in Canada.
Primary Cardholder means the business owner or any
employee ordinarily residing in Canada who has been issued a
Corporate Account card by BMO, with his or her name embossed
on such card, and for whom the Corporate Account is established
and in Good Standing.
Rental Car means a land motor vehicle with four wheels or
more, that is designed for use mainly on public roads and which
You have rented from a commercial rental agency for Your
business use for the period of time shown on the Rental Car
Agreement. Certain motor vehicles are not covered, please refer
to Section 4.1.4.2.
Rental Car Agreement means the entire written contract that
You receive when renting a Rental Car from a rental car agency
that describes in full all of the terms and conditions of the
rental, as well as the responsibilities of all parties under the
Rental Car Agreement.
Spouse means the person who is legally married to the Primary
Cardholder; or if there is no such person, the person who has
been living with the Primary Cardholder for a continuous period
of at least one year in a conjugal relationship and who resides in
the same household as the Primary Cardholder. For the purposes
of this insurance, You may only have one spouse.
Terrorism means the unsanctioned and illegal use of force that
causes destruction of property, Injury or death by an individual or
group for the express purpose of achieving a political, ethnic or
religious goal or result.
Ticket means evidence of full fare paid for travel on a Common
Carrier, which has been partially or completely charged to the
Primary Cardholder’s Account.
Total Disability means that Accidental Bodily Injury causes the
Insured Person to be continuously and totally disabled; and
during the first twelve months, prevents the Insured Person
from performing the material and substantial duties of his or
her present occupation, and thereafter, from performing the
material and substantial duties of any occupation for which the
Insured Person is reasonably qualified by training, education
or experience.
Travel Advisory means a formal statement issued by the
Department of Foreign Affairs and International Trade of the
Canadian government, advising Canadians not to travel to that
country, region or city during the time of Your insured trip.
3Trip means a defined period of travel of definite length outside
the Insured Person’s province/territory of residence which
includes:
1. travel by a Common Carrier, the fare for which has been
partially or completely charged to the Account prior to
departure; or
2. a stay in a hotel or similar accommodation, the cost of which
has been partially or completely charged to the Account prior
to departure; or
3. a package tour which has been sold as a unit and includes at
least two of the following, the cost of which has been partially
or completely charged to the Account prior to departure:
a) Common Carrier transportation;
b) car rental;
c) accommodation;
d) meals;
e) tickets or passes for sporting events or other entertainment,
exhibition or comparable event;
f) lessons; or
g) the services of a guide.
We, Our, Us means Allianz Global Risks US Insurance Company
(Canadian Branch).
You or Your means the Insured Person.
2. Insurance Effective and Termination Date
Except as otherwise stated herein, this insurance shall come
into effect on the date BMO receives and approves the Primary
Cardholder’s request for the BMO Corporate Account.
Except as otherwise stated herein, this insurance shall terminate
for all insureds on the earliest of:
1. the date the Primary Cardholder is no longer eligible to
participate;
2. the date of termination of the BMO Corporate Account
Program to which the Primary Cardholder belongs (in which
case You will be notified by BMO);
3. the date the Primary Cardholder’s Account ceases to be in
Good Standing; or
4. the date the Policy is terminated.
3. Eligibility
To be eligible for this insurance You must be an Insured Person
as defined in the definitions in each benefit section.
4 Treasury & Payment Solutions4. Coverage Period and Description of Benefits
4.1 CAR RENTAL BENEFITS
Coverage Eligibility
The Car Rental Benefits apply when the Primary Cardholder
enters into a non-renewable Rental Car Agreement, where the
total rental period does not exceed thirty-one days, subject to
limitations and exclusions (as outlined in Section 4.1.4) and the
following requirements:
1. the Rental Car must be rented by the Primary Cardholder; and
2. the Rental Car must be rented from a commercial car rental
agency; and
3. The rental of the Rental Car must be for business purposes
only; and
4. the full cost, or portion of the rental cost, must be either
charged to the Account; and
5. You must not rent more than one Rental Car at a time
during a rental period; and
6. You must decline the collision damage waiver (CDW) benefits
(or similar provisions, such as “loss damage waiver”) offered
by the rental agency (when not prohibited by law). If there is
no space on the Rental Car Agreement to decline coverage,
You must write on the contract “I decline the CDW provided
by the Rental Agency.” If such coverage is not available from
the rental agency, then CDW benefits are not available under
this Certificate of Insurance; and
7. the Rental Car must have been operated by the Insured
Person, or a person employed in Canada by the same
employer as the Primary Cardholder who is travelling with
the Primary Cardholder, and who is otherwise authorized to
operate the Rental Car under the Rental Car Agreement in
accordance with its conditions when the loss occurs; and
8. there must be a full calendar day waiting period between
rentals.
Coverage Period
Insurance coverage begins as soon as the Primary Cardholder,
or other person authorized to operate the Rental Car under the
Rental Car Agreement, takes control of the Rental Car, and ends
at the earliest of:
1. the time when the rental agency assumes control of
the Rental Car, whether it be at its place of business or
elsewhere;
2. the end of the chosen rental period; or
3. the date on which the Primary Cardholder’s coverage is
terminated in accordance with the “Insurance Effective and
Termination Date” provision set out above.
54.1.1 COLLISION DAMAGE WAIVER (CDW) BENEFITS
Insured Person means the Primary Cardholder, Primary
Cardholder’s Spouse, his/ her Dependent Child, or a person
employed in Canada by the same employer as the Primary
Cardholder who is travelling with the Primary Cardholder and
who is otherwise authorized to operate the Rental Car.
Coverage Benefits
Subject to the terms and conditions, You are covered for Rental
Cars with a Manufacturer’s Suggested Retail Price (MSRP), in its
model year, up to a maximum of $85,000 for:
1. damage to the Rental Car; and
2. theft of the Rental Car or any of its parts or accessories; and
3. rental agency charges for valid loss-of-use, while the Rental
Car is being repaired; and
4. reasonable and customary charges for towing the Rental Car
to the nearest available facility.
This coverage does not provide any form of third party
automobile, property damage or personal injury liability
insurance. It is the responsibility of the Primary Cardholder
to have adequate third party insurance, either through
their own automobile insurance policy or by accepting the
insurance offered through the rental agency.
The amount of the benefit payable will be equal to the cost of
the repair (including loss-of-use) or replacement cost of Your
Rental Car which has been damaged or stolen, less any amount
or portion of the loss assumed, waived or paid by the car rental
agency, its insurer, or a third party insurer.
In the event of a claim, the Insured Person must contact the
Operations Centre as soon as possible or within forty-eight hours.
Please see section 4.1.4 for applicable limitations and
exclusions.
4.1.2 CAR RENTAL ACCIDENTAL DEATH AND
DISMEMBERMENT BENEFITS
Insured Person means the Primary Cardholder, the Primary
Cardholder’s Spouse, his/her Dependent Child or a person
employed in Canada by the same employer as the Primary
Cardholder who is travelling with the Primary Cardholder and
who is otherwise authorized to operate the Rental Car.
Benefit Amount means the Loss amount set out in this
Certificate of Insurance applicable at the time the full cost
or portion of the rental cost for the Rental Car is charged to
the Account.
Coverage Benefits
Car Rental Accidental Death and Dismemberment Insurance
covers an Insured Person who suffers a Loss arising as a result
of an Accidental Bodily Injury to the Insured Person while
Occupying an eligible Rental Car.
6 Treasury & Payment SolutionsLoss means one of the following losses as defined herein:
Benefit Amount
Loss Primary Each Additional
Cardholder Insured Person
Loss of Life $200,000 $20,000
Loss of Both Hands or Feet $200,000 $20,000
Loss of One Hand and One Foot $200,000 $20,000
Loss of One Hand or One Foot
$200,000 $20,000
and the Entire Sight of One Eye
Loss of Entire Sight of Both Eyes $200,000 $20,000
Loss of Speech and Hearing $200,000 $20,000
Loss of One Arm or One Leg $150,000 $15,000
Loss of One Hand or One Foot $100,000 $10,000
Loss of Entire Sight of One Eye $100,000 $10,000
Loss of Speech $100,000 $10,000
Loss of Hearing $100,000 $10,000
Loss of Thumb and Index Finger
$50,000 $5,000
on the Same Hand
Loss of Use of Both Hands or
$200,000 $20,000
Both Feet
Loss of Use of Both Arms or Both Legs $200,000 $20,000
Loss of Use of One Arm and One Leg $200,000 $20,000
Loss of Use of One Arm or One Leg $200,000 $20,000
Loss of Use of One Hand or One Foot $200,000 $20,000
Quadriplegia $200,000 $20,000
Paraplegia $200,000 $20,000
Hemiplegia $200,000 $20,000
Total Disability $200,000 $20,000
We will pay the single largest applicable Benefit Amount. In
no event will duplicate request forms or multiple credit cards
obligate Us to pay any amount in excess of the stated Benefit
Amount for any one Loss sustained by any one individual Insured
Person as the result of any one accident.
In the event of multiple Losses per Account arising from any one
accident, Our total liability for all such Losses will be limited to
$300,000. The total amount payable with respect to the covered
Insured Persons suffering a Loss will be proportionately divided
among the covered Insured Persons suffering a Loss, based on
each applicable Benefit Amount.
Please see section 4.1.4 for applicable limitations and
exclusions.
7Exposure and Disappearance If by reason of an accident covered by this Certificate of Insurance an Insured Person is unavoidably exposed to the elements and as a result of such exposure suffers a Loss for which indemnity is otherwise payable hereunder, such Loss will be covered hereunder. If the body of an Insured Person has not been found within six months after the date of disappearance as the result of the sinking or wrecking of a Rental Car in which the Insured Person was riding at the time of the accident and under such circumstances as would otherwise be covered hereunder, it will be presumed that the Insured Person suffered loss of life resulting from Accidental Bodily Injury. Beneficiary Any loss of life benefit payable under this Certificate of Insurance with respect to an Insured Person will be paid to the estate of the Insured Person, unless a beneficiary designation has been filed with Allianz Global Assistance. All other benefits are payable to the Insured Person who has suffered the Loss. 4.1.3 CAR RENTAL PERSONAL EFFECTS BENETITS Insured Person means the Primary Cardholder, his/her Spouse and Dependent Child(ren), or a person employed in Canada by the same employer as the Primary Cardholder travelling with the Primary Cardholder who has rented the Rental Car. Coverage Benefits This personal effects insurance covers loss, theft or damage to personal effects belonging to an Insured Person while such personal effects are in transit or in any hotel or other building, en route during a trip with the Rental Car for the duration of an eligible rental period. Maximum coverage during such rental period is $1,000 for each Insured Person, per rental period. Total benefits during each rental period are limited to $2,000 per Account, per rental period. Please see section 4.1.4 for applicable limitations and exclusions. 4.1.4 CAR RENTAL BENEFITS LIMITATIONS AND EXCLUSIONS 4.1.4.1 GENERAL CAR RENTAL BENEFITS LIMITATIONS AND EXCLUSIONS This insurance does not cover certain risks. We will not pay any of the Car Rental benefits if a claim is directly or indirectly a result of one or more of the following: Damage – wear and tear, gradual deterioration, mechanical breakdown, insects or vermin, inherent flaw or damage; or Violation of Rental Car Agreement – operation of the Rental Car in violation of the terms of the Rental Car Agreement; or Intentional Acts – damage due to intentional acts, while sane or insane; or 8 Treasury & Payment Solutions
Off-road operation – damage caused to the Rental Car by use
off of publicly maintained roads; or
Intoxication – any event which occurs while the concentration
of alcohol in the Insured Person’s or driver’s blood exceeds eighty
(80) milligrams of alcohol in one hundred (100) millilitres of
blood; or while the Insured Person or driver is intoxicated due to
the voluntary taking of drugs; or
Drugs or Poison – any voluntary taking of poison, toxic
substances or non-toxic substances or drugs, sedatives or
narcotics, whether illicit or prescribed, in such quantity that they
become toxic, or voluntary inhalation of a gas; or
Disease – sickness, illness, bodily or mental infirmity or disease
of any kind; or
Medical Complications – medical or surgical treatment or
complications arising therefrom, except when required as a
direct result of an Accidental Bodily Injury; or
Suicide – suicide, attempted suicide or self-inflicted injury while
sane or insane; or
Illegal Trade – transporting contraband or illegal trade; or
Criminal Offence – committing or attempting to commit a
criminal offence, or committing or provoking an assault; or
War or Insurrection – declared or undeclared war, or any act of
war, riot or insurrection; or service in the armed forces of any
country or international organization; or
Confiscation – confiscation by order of any government or public
authority; or
Seizure or destruction – seizure or destruction under a
quarantine or customs regulation; or
Contamination – contamination or poisoning by nuclear and/or
chemical and/or biological substances; or
Financial collapse or default of any transport, tour or
accommodation provider; or
Liability – other than for loss of, or damage to, the Rental Car; or
Epidemic or pandemic damage caused by an epidemic or
pandemic during the coverage period; or
Expenses – assumed, waived or paid by the commercial car
rental company or its insurers or payable under any other
insurance; or
Sanctions – any business or activity that would violate
any applicable national economic or trade sanction law or
regulations; or
Trip Advisory – any expenses incurred, if You choose to travel
to a country, region or city, if before Your effective date, a formal
Travel Advisory was issued.
94.1.4.2 COLLISION DAMAGE WAIVER (CDW) BENEFITS
LIMITATIONS AND EXCLUSIONS
In addition to the General Exclusions and Limitations, these
specific exclusions and limitations apply to
Collision Damage Waiver benefits:
1. There is no coverage for any vehicle with a Manufacturer’s
Suggested Retail Price (MSRP) in its model year, over
$85,000.
2. There is no coverage for additional rental fees charged by
the rental agency for a replacement vehicle if required by
You for the remainder of the original rental period.
3. This coverage does not apply to rental vehicles effectively
rented for a period exceeding thirty-one (31) days under a
single contract or several consecutive contracts.
4. This coverage will not pay for the cost of any insurance
offered by or purchased through the car rental agency, even
if such cost is mandatory or included in the price of the
vehicle rental.
5. This coverage does not apply to rental vehicles used to
transport property or passengers for hire or compensation.
Vehicles that belong to the following categories are not covered:
• vans (except as defined below);
• trucks (including pick-ups) or any vehicle that can be
spontaneously reconfigured into a pickup truck;
• campers or trailers;
• off-road vehicles (Sport Utility Vehicles are covered, provided
they are not used as off-road vehicles and driven on
maintained roads);
• motorcycles, mopeds or motorbikes;
• Exotic Vehicles;
• antique vehicles;
• recreational vehicles, or vehicles not licensed for road use; and
• leased vehicles.
Vans are not excluded provided that they:
1. are for private passenger use with seating for no more than
eight (8) occupants including the driver; and
2. do not exceed a “3/4 ton” rating; and
3. are not designed for recreational use; and
4. are not used for hire by others.
An expensive or Exotic Vehicle is any vehicle with an MSRP, in
its model year, greater than $85,000. An antique vehicle is one
which is over twenty (20) years old or when its model has not
been manufactured for ten (10) years or more.
10 Treasury & Payment SolutionsLimousines are not covered. However, standard production
models of these vehicles that are not used as limousines are
not excluded provided that they have an MSRP, in their model
year, of $85,000 or less.
Trucks are not covered. However, if the car rental agency
provides You with a truck because the rental agency runs out of
vehicles which are covered under this Certificate of Insurance
and which are not otherwise excluded from coverage, then that
truck will be covered.
4.1.4.3 CAR RENTAL PERSONAL EFFECTS BENEFITS LIMITATIONS
AND EXCLUSIONS
In addition to the General Car Rental Benefits Exclusions and
Limitations, these specific exclusions and limitations apply to the
Car Rental Personal Effects Benefits:
1. Personal Effects do not include money (whether paper or coin),
tickets, consumable or perishable goods, bullion, banknotes,
negotiable instruments or other numismatic property.
2. Benefits are not paid if loss results from Mysterious
Disappearance. Reasonable effort must have been made by the
Insured Person to protect their Personal Effects (e.g. locking Your
personal items in the trunk of the Rental Car instead of the front
or back seat.) If claiming as a result of theft, evidence of forcible
entry into the vehicle while all its doors, windows and other
openings are closed and locked must be submitted.
3. Personal effects coverage is in excess of all other applicable
valid insurance, indemnity or protection available to the
Insured Person in respect of the item subject to the claim.
We will be liable only for the excess of the amount of the
loss or damage over the amount covered under such other
insurance, indemnity or protection and for the amount of any
applicable deductible, only if all other insurance has been
exhausted and subject to the exclusions and limitations set
out in this Certificate of Insurance. This coverage will not
apply as contributing insurance and this “non-contribution”
shall supersede despite any “non-contribution provision” in
other insurance indemnity or protection policies or contracts.
4.2 TRIP, MEDICAL AND LEGAL ASSISTANCE SERVICES
Coverage Eligibility
You do not need to use Your Corporate Account to be eligible for
the following services.
Insured Person means the Primary Cardholder or the Primary
Cardholder’s Spouse.
4.2.1 TRIP ASSISTANCE SERVICES
Coverage Benefits
1. Emergency Cash Transfer
When You are travelling away from home, the Operations Centre
will help You to obtain an emergency cash transfer which will
be charged to Your Account (subject to credit availability to a
maximum of $5,000, cash advance fees may apply) or payment
11for such costs will be arranged, if reasonably possible, through family or friends if it cannot be charged to Your Account. 2. Lost Documents and Ticket Replacements The Operations Centre will help You replace lost or stolen travel documents. The cost of obtaining replacement documents will be charged to Your Account (subject to credit availability) or payment for such costs will be arranged, if reasonably possible, through family or friends if they cannot be charged to Your Account. 3. Lost Luggage Assistance The Operations Centre will help You locate or replace lost or stolen luggage and Personal Effects. The cost of obtaining replacement luggage and Personal Effects will be charged to Your Account (subject to credit availability) or payment for such costs will be arranged, if reasonably possible, through family or friends if they cannot be charged to Your Account. 4. Pre-Trip Information You can call the Operation Centre to obtain information regarding passport and visa regulations, vaccination and inoculation requirements, up-to-date advisories on health conditions, current information on weather conditions and the daily currency exchange rate for the country to which You are travelling. 5. Consulate and Embassy Information You can call the Operations Centre to obtain the address and telephone number of the Canadian consulate or embassy nearest Your location. 6. Emergency Message Transmission In emergency situations, the Operations Centre will arrange the transmission of important messages to Your family or employer. 4.2.2 MEDICAL ASSISTANCE SERVICES Coverage Benefits 1. Locating Medical Care/Medical Consultation The Operations Centre will assist You in locating medical care providers or local sources of medical care referral. 2. Medical Transportation Arrangements When ordered by a Physician, the Operations Centre will arrange emergency medical transportation and treatment for You if You are ill or injured. When You are hospitalized, the Operations Centre will arrange an escort and transportation home for stranded minor children and other travel companions. The cost of all such arrangements will be charged to Your Account (subject to credit availability) or payment for such costs will be arranged, if reasonably possible, through family or friends if they cannot be charged to Your Account. 3. Repatriation of Mortal Remains If You die away from home, the Operations Centre will help arrange the necessary services for repatriation of remains. The cost of the repatriation will be charged to Your Account (subject to credit availability) or payment for such costs will be arranged, if reasonably possible, through family or friends if they cannot be charged to Your Account. 12 Treasury & Payment Solutions
4. Family or Friend Transportation Arrangements
If You are hospitalized while travelling, the Operations Centre will
assist Your family or friends with transportation arrangements to
visit You. The cost of the transportation will be charged to Your
Account (subject to credit availability) or payment for such costs
will be arranged, if reasonably possible, through family or friends
if they cannot be charged to Your Account.
5. Prescription Drug Assistance
When permitted by law and approved by the patient’s Physician,
the Operations Centre will assist You in obtaining prescription
drugs and other necessary personal medical items that may
have been forgotten, lost or depleted while travelling. The cost
of the drugs or medical items will be charged to Your Account
(subject to credit availability) or payment for such costs will be
arranged, if reasonably possible, through family or friends if they
cannot be charged to Your Account.
6. Air Ambulance Service
In the case of a medical emergency, the Operations Centre will
coordinate Your transportation by air ambulance and ensure
that a licensed and trained medical team will accompany each
emergency trip. The cost of the air ambulance will be charged to
Your Account (subject to credit availability) or payment for such
costs will be arranged, if reasonably possible, through family or
friends if they cannot be charged to Your Account.
7. Vehicle Return Service
Should You become physically incapacitated and Your vehicle
stranded during travel, the Operations Centre will arrange for
the return of the stranded vehicle to Your home. The cost of
returning the vehicle will be charged to Your Account (subject to
credit availability) or payment for such costs will be arranged, if
reasonably possible, through family or friends if they cannot be
charged to Your Account.
4.2.3 LEGAL ASSISTANCE SERVICES
Coverage Benefits
If while travelling You require legal assistance, You can call
the Operations Centre for referral to a local legal advisor and/
or for assistance with arrangements for the posting of bail and
the payment of legal fees, to a maximum of $5,000, which
will be charged to Your Account (subject to credit availability).
Communications with Your family and business associates will be
maintained until legal counsel has been retained by or for You.
4.3 UNEXPECTED RETURN HOME BENEFITS
4.3.1 COVERAGE PERIOD AND BENEFITS
Coverage Eligibility
Unexpected Return Home coverage applies when the Primary
Cardholder charges the full or a portion of the cost of a Trip to
the Corporate Account prior to departure.
Insured Person means the Primary Cardholder, Spouse and/or
Dependent Child while on a Trip.
13Coverage Period Coverage begins at the time of Your departure from Your province/territory of residence. Coverage ends at the time You return to Your province/territory of residence. Coverage Benefits Unexpected Return Home insurance will reimburse the Primary Cardholder for the lesser of the additional charges to change Your Ticket or to purchase a one-way economy fare by a Common Carrier to return to Your province/territory of residence up to a maximum of $1,000 per Insured Person in the event of the death of an Immediate Family Member while You are on a Trip. You must call the Operations Centre for help in making the necessary arrangements; failure to do so may result in Your claim being delayed or denied. 4.3.2 UNEXPECTED RETURN HOME LIMITATIONS AND EXCLUSIONS This insurance does not cover certain risks. We will not pay any of the Unexpected Return Home Benefits if a claim is directly or indirectly a result of one or more of the following: Intentional Acts – Loss due to intentional acts of the Insured Person, while sane or insane; or Drugs or Poison – any voluntary taking of poison, toxic substances or non-toxic substances or drugs, sedatives or narcotics, whether illicit or prescribed, in such quantity that they become toxic, or voluntary inhalation of a gas; or Medical Complications – medical or surgical treatment or complications arising therefrom, except when required as a direct result of an Accidental Bodily Injury; or Suicide – suicide, attempted suicide or self-inflicted injury while sane or insane; or Criminal Offence – the Insured Person committing or attempting to commit a criminal offence, or committing or provoking an assault; or War or Insurrection – declared or undeclared war, or any act of war, riot or insurrection; or service in the armed forces of any country or international organization; or Contamination – contamination or poisoning by nuclear and/or chemical and/or biological substances. Disease – sickness, illness, bodily or mental infirmity or disease of any kind; or Sanctions – any business or activity that would violate any applicable national economic or trade sanction law or regulations; or Trip Advisory – any expenses incurred, if You choose to travel to a country, region or city, if before Your effective date, a formal Travel Advisory was issued. 14 Treasury & Payment Solutions
4.4 FLIGHT DELAY BENEFITS
4.4.1 COVERAGE PERIOD AND BENEFITS
Coverage Eligibility
Flight Delay coverage applies when the Primary Cardholder
charges the entire cost of the airline ticket to the Account or pays
for the entire cost of the airline ticket with points earned through
a Corporate Account reward program (provided the Account is
active and in Good Standing).
Insured Person means:
• any person named on an airline ticket purchased with Your
Corporate Account and who travels on a regular, special or
chartered flight by a scheduled airline; or on a published,
regularly scheduled flight by a chartered airline;
• any non ticketed infant up to two (2) years of age provided
that the infant is endorsed on a ticket and the ticket is
purchased with Your Corporate Account.
Coverage Period
Coverage begins at the scheduled time of Your departure from
Your province/territory of residence. Coverage ends at the time
of Your return to Your province/territory of residence.
Coverage Benefits
Flight Delay Benefits will reimburse You up to $250 per insured
for reasonable meal and living accommodation expenses
(including ground travel immediately to or from the airport) in
the event of a delay of more than four hours in the arrival or
departure of Your regularly scheduled airline flight. Expenses
must be incurred by You as a result of the delay. You will be
required to submit original, itemized receipts for any expense
that You incur in this regard.
Please see section 4.4.2 for applicable limitations and
exclusions.
4.4.2 FLIGHT DELAY BENEFITS LIMITATIONS AND EXCLUSIONS
This insurance does not apply when the flight delay is due to:
• mechanical breakdown of the aircraft;
• air traffic delays caused by congestion in the skies;
• any criminal act by the Insured Person.
This insurance does not provide any cover for any business or
activity to the extent that such cover would violate any applicable
national economic or trade sanction law or regulations.
There is no coverage for any expenses incurred, if You choose
to travel to a country, region or city, if before Your scheduled
departure date, a formal Travel Advisory was issued.
Flight Delay insurance does not cover prepaid expenses.
154.5 LOST OR STOLEN BAGGAGE BENEFITS 4.5.1 COVERAGE PERIOD AND BENEFITS Coverage Eligibility Lost or Stolen Baggage coverage applies when the Primary Cardholder charges the entire cost of the Common Carrier passage fare to the Account or pays for the entire cost of the Common Carrier passage fare with points earned through a Corporate Account loyalty program (provided the Account is active and in Good Standing). Insured Person means: • any person named on a Common Carrier ticket purchased with Your Corporate Account; • any non ticketed infant up to two years of age provided that the infant is endorsed on a ticket and the ticket is purchased with Your Corporate Account. Coverage Period Coverage begins when the baggage is checked in or carried on to the Common Carrier by You (includes curbside check in with facility designated personnel). Coverage ends each time You regain possession of the baggage from, or carry the baggage off of, the Common Carrier. Coverage is available worldwide. Coverage Benefits Lost or Stolen Baggage insurance will reimburse You for covered damage on an excess basis over and above any amount due from any other valid and collectible insurance or any other form of reimbursement payable by those responsible for the loss or the Common Carrier. Covered damages are those amounts, up to $500 per insured, of which no more than $100 will apply to all jewellery (including watches) and no more than $250 will apply to golf clubs (including bags), actually spent to repair or replace Checked or Carry-On Baggage and personal property contained therein which suffers direct physical loss, theft or damage. Reimbursement is based on actual replacement or repair cost of any lost, stolen, or damaged article without deduction for depreciation, provided that the article is actually replaced or repaired; otherwise, payment is based on the Actual Cash Value of the article. 4.5.2 LOST OR STOLEN BAGGAGE BENEFITS LIMITATIONS AND EXCLUSIONS This insurance does not cover: • loss of baggage or personal property lost, stolen or damaged during commutation travel; • losses resulting from any intentional dishonest, fraudulent, or criminal act of the Insured Person; • loss resulting from forgery; • loss resulting from hostility of any kind (including declared war, undeclared war, invasion, rebellion, riot, civil commotion, or insurrection) or confiscation by authorities; • loss due to nuclear reaction or radioactive contamination; 16 Treasury & Payment Solutions
• sporting equipment, unless checked with the Common
Carrier and for which a claim check has been provided by the
Common Carrier;
• animals; perishables; cameras and accessory equipment;
eye glasses and contact lenses; prosthetic devices including
dentures and hearing aids; keys, travellers cheques, tickets
of any kind, negotiable instruments, valuable papers
and documents; credit cards and debit cards; securities;
cash or its equivalent, visas or other documents (travel or
otherwise); art objects; furs; electronic equipment; business
items; bullion, rare or precious coins, philatelic or numismatic
property; precious or semi-precious metals, stones or gems
other than that contained in items of personal jewellery
owned by You; household furniture; motor vehicles, boats or
watercraft or aircraft or parts for such conveyances;
• property shipped prior to Your trip departure;
• defective material or workmanship, ordinary wear and tear
or normal deterioration;
• confiscation, expropriation or detention by any government,
public authority, customs or other officials;
• losses not reported within the time period provided, as
stipulated in the claim filing procedures;
• any loss where You have not complied with the Common
Carrier claim reporting procedures;
• any loss where the Common Carrier completely denies a
claim for Checked and/or Carry-On Baggage;
• any loss where the Common Carrier pays the claim in full or
repairs the damage;
• any business or activity to the extent that such cover would
violate any applicable national economic or trade sanction
law or regulations;
• any expenses incurred, if You choose to travel to a country,
region or city, if before Your effective date, a formal Travel
Advisory was issued.
4.6. BAGGAGE DELAY BENEFITS
4.6.1 COVERAGE PERIOD AND BENEFITS
Coverage Eligibility
Baggage Delay coverage applies when the Primary Cardholder
charges the entire cost of the Common Carrier passage fare to the
Account or pays for the entire cost of the Common Carrier passage
fare with points earned through a Corporate Account loyalty
program (provided the Account is active and in Good Standing).
Insured Person means:
• any person named on a Common Carrier ticket purchased
with Your Corporate Account;
• any non ticketed infant up to two years of age provided that
the infant is endorsed on a ticket and the ticket is purchased
with Your Corporate Account.
17Coverage Period Coverage begins when the baggage is checked in with the Common Carrier by You (includes curbside check- in with facility designated personnel). Coverage ends when the baggage is checked out from the Common Carrier by You (this includes curbside check-out with facility designated personnel). Coverage Benefits Baggage Delay insurance will reimburse You up to $250 towards the cost of replacing, on an emergency basis, necessary clothing and personal hygiene articles and/or business effects contained in Your Checked Baggage. There is a maximum of two claims per Account per twelve month period. Coverage is in excess of any compensation provided by the Common Carrier. Benefits will be paid only if the Checked Baggage was unavoidably delayed by the Common Carrier while in the custody of the Common Carrier and is not delivered to You within six hours of Your arrival at Your scheduled destination. 4.6.2 BAGGAGE DELAY BENEFITS LIMITATIONS AND EXCLUSIONS This insurance does not cover: • plants and animals; • automobiles and their equipment, motorcycles, gasoline, and electrical free-standing motors; • keys, travelers cheques, tickets of any kind, negotiable instruments, bullion, rare or precious coins, philatelic or numismatic property, cash or its equivalent, visas or other documents (travel or otherwise); • property shipped as freight or shipped prior to Your trip departure; • computers, computer related equipment, printers; • rugs, cameras, radios, sporting equipment, art objects, cellular phones, household furniture; • purchases related to the delayed baggage that were made after the return of the baggage; • purchases related to the delayed baggage that were made more than ninety-six hours after the arrival of the Common Carrier at Your scheduled destination; • losses resulting from confiscation, expropriation, or detention by any government, public authority, customs or other officials; • losses resulting from war (whether war is declared or not), invasion, act of foreign enemy, hostilities, civil rebellion, revolution, insurrection or military seizure of power; • losses resulting from contamination by nuclear fuel or waste or contamination from the combustion of nuclear fuels; • items specifically identified or described in and/or insured under any other insurance policy; • items not contained in delayed Checked Baggage; • any business or activity to the extent that such cover would violate any applicable national economic or trade sanction law or regulations; or 18 Treasury & Payment Solutions
• any expenses incurred, if You choose to travel to a country,
region or city, if before Your scheduled departure date,
a formal Travel Advisory was issued.
4.7 COMMON CARRIER ACCIDENTAL DEATH AND
DISMEMBERMENT BENEFITS
4.7.1 COVERAGE PERIOD AND BENEFITS
Coverage Eligibility
Common Carrier Accidental Death and Dismemberment coverage
applies when the Primary Cardholder charges the entire cost of
the Common Carrier passenger fare to the Account or pays for
the entire cost of the Common Carrier passenger fare with points
earned through a Corporate Account reward program (provided
the Account is active and in Good Standing).
Coverage Period
If the entire cost of Your Common Carrier passenger fare has
been charged to the Primary Cardholder’s Account or the entire
cost of the Common Carrier passenger fare has been paid
for with points earned through a Corporate Account reward
program (and the Account is active and in Good Standing) prior
to departure for the airport, terminal or station, coverage is also
provided a) for Common Carrier travel (including taxi, bus, train
or airport limousine, but not including courtesy transportation
provided without a specific charge), immediately preceding
Your departure, directly to the airport, terminal or station, b)
while at the airport, terminal or station, and c) for Common
Carrier travel immediately following Your arrival at the airport,
terminal or station of Your destination. If the entire cost of the
passenger fare has not been charged prior to Your arrival at the
airport, terminal or station, coverage begins at the time the
entire cost of the travel passenger fare is charged to the Primary
Cardholder’s Account.
Insured Person means:
• any person named on a Common Carrier ticket purchased
with Your Corporate Account;
• any non ticketed infant up to two years of age provided that
the infant is endorsed on a ticket and the ticket is purchased
with Your Corporate Account.
Benefit Amount means the Loss amount set out in this
Certificate of Insurance applicable at the time the entire cost of
the passenger fare(s), less redeemable certificates, vouchers,
coupons or free flights awarded from frequent flyer programs, is
charged to the Account.
Coverage Benefits
Common Carrier Accidental Death and Dismemberment
Insurance covers up to $500,000 for an Insured Person who
suffers a Loss, arising as a result of an Accidental Bodily Injury
to the Insured Person while riding as a passenger in, entering or
exiting any licensed Common Carrier.
19Loss Benefit Amount
Loss of Life $500,000
Loss of Both Hands or Feet $500,000
Loss of One Hand and One Foot $500,000
Loss of One Hand or One Foot
$500,000
and the Entire Sight of One Eye
Loss of Entire Sight of Both Eyes $500,000
Loss of Speech and Hearing $500,000
Loss of One Arm or One Leg $375,000
Loss of One Hand or One Foot $250,000
Loss of Entire Sight of One Eye $250,000
Loss of Speech $250,000
Loss of Hearing $250,000
Loss of Thumb and Index Finger
$125,000
on the Same Hand
Loss of Use of Both Hands or
$500,000
Both Feet
Loss of Use of Both Arms or Both Legs $500,000
Loss of Use of One Arm and One Leg $500,000
Loss of Use of One Arm or One Leg $500,000
Loss of Use of One Hand or One Foot $500,000
Quadriplegia $500,000
Paraplegia $500,000
Hemiplegia $500,000
Total Disability $500,000
We will pay the single largest applicable Benefit Amount. In
no event will duplicate request forms or multiple credit cards
obligate Us to pay any amount in excess of the stated Benefit
Amount for any one Loss sustained by any one individual Insured
Person as the result of any one accident.
In the event of multiple Losses per Account arising from any one
accident, Our total liability for all such Losses will be limited to a
maximum limit of insurance equal to three times the applicable
Benefit Amount for loss of life. The total amount payable with
respect to the covered Insured Persons suffering a Loss will be
proportionately divided among the covered Insured Persons
suffering a Loss, based on each applicable Benefit Amount.
Beneficiary
Any loss of life benefit payable under this Certificate of Insurance
with respect to an Insured Person will be paid to the estate of
the Insured Person, unless a beneficiary designation has been
filed with Allianz Global Assistance. All other benefits are payable
to the Insured Person who has suffered the Loss.
20 Treasury & Payment Solutions4.7.2 COMMON CARRIER ACCIDENTAL DEATH AND
DISMEMBERMENT LIMITATIONS AND EXCLUSIONS
This insurance does not cover certain risks. We will not pay any
of the Common Carrier Accidental Death and Dismemberment
Benefits if a claim is directly or indirectly a result of one or more
of the following:
Intentional Acts – Loss due to intentional acts of the Insured
Person, while sane or insane; or
Drugs or Poison – any voluntary taking of poison, toxic
substances or non-toxic substances or drugs, sedatives or
narcotics, whether illicit or prescribed, in such quantity that they
become toxic, or voluntary inhalation of a gas; or
Disease – sickness, illness, bodily or mental infirmity or disease
of any kind; or
Medical Complications – medical or surgical treatment or
complications arising therefrom, except when required as a
direct result of an Accidental Bodily Injury; or
Suicide – suicide, attempted suicide or self-inflicted injury while
sane or insane; or
Criminal Offence – the Insured Person committing or attempting to
commit a criminal offence, or committing or provoking an assault; or
War or Insurrection – declared or undeclared war, or any act of
war, riot or insurrection; or service in the armed forces of any
country or international organization; or
Contamination – contamination or poisoning by nuclear and/or
chemical and/or biological substances; or
Sanctions – any business or activity that would violate any applicable
national economic or trade sanction law or regulations; or
Trip Advisory – any expenses incurred, if You choose to travel to
a country, region or city, if before Your scheduled departure date,
a formal Travel Advisory was issued.
This insurance also does not apply to an accident occurring while
an Insured Person is in, entering, or exiting any aircraft while
acting or training as a pilot or crew member, but this exclusion
does not apply to passengers who temporarily perform pilot or
crew functions in a life threatening emergency.
For the purposes of this Common Carrier Accidental Death and
Dismemberment benefit, Common Carrier does not include any
municipal transit conveyance.
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